Loans for every Credit Profile.
Get Instant Personal Loans – Low Interest Rates
Upto ₹15 lakhs
Interest from 9.90%
Disbursal in 5 mints
Total Loan Disbursed
₹650 Crore
Trusted by
4 lakh + Indians
Get your loan in 3 easy steps
Apply and Verify:
Fill the form. then verify your mobile number with the OTP
Fill Details and View Offers:
Enter your personal. and income details. agree to the terms, and click
“See All Offers” to view eligible lenders.
Choose Lender & Get Disbursal:
Seect a lender and once approved, the loan amount Will be disoursed
instantly
Why choose jinnyLoan ?
Your Money, Our Expertise
jinnyLoan: India’s Trusted Financial Expert
100% Digital Loans
No Paperwork. No Collateral
Best Loan Offers
Lowest Rate, Flexible tenures
RBI Registered Partners
Borrow securely from Reliable lenders
Required Documents
Identitv Proof:
PAN. Aadhaar, Passport. or Voter ID
Address Proof:
utility bill. Aadhaar. Passport. or Rent Agreement
Income Proof:
Last 3-6 months’ salary slips and bank
Employment Proof:
Company ID or Appointment Letter
Passport-size Photo
Identitv Proof:
PAN. Aadhaar, Passport. or Voter ID
Address Proof:
utility bill. Aadhaar. Passport. or Rent Agreement
Income Proof:
Last 3-6 months’ and bank
Additional Proof:
You may require additional documents depending on the type of
profession you practice and your organizational set-up.
Loan Comparison
Feature
jinnyLoan
Other Aggregators
Interest Rate
0.83% per month
1.2%+ per month
Approval Time
Within minutes
24-48 Hours
Processing Fees
upto 2%
Upto 3.5%
Prepayment Charges
0 - 5%
0 - 7%
Late Payment Charges
Up to ₹250 for physical copy
Up to ₹250 for physical copy
Testimonials
Loan Repayment Terms
Repayment Period
Min: 3 Months Max: 60 Months
APR Range
2% to 35%, with a maximum APR of 20%, depending on loan amount
and repayment period
Representative Example:
For a e 10,00.000 loan with an 18% APR over 60 months. the monthly
repayment is totaling e17.81.079 with interest and processing fees.
Eligibility Criteria
Age
Most lenders accept applicants between 21 to 60 years of age.
Note: Some lenders may have a higher minimum age (like 23) or a lower
maximum limit depending on employment type.
Employment Type:
You must be ether a salaried employee or a self-employed
professional.
Minimum Monthly Income
A steacy monthly Income of Rs 15000 or more IS usually required.
Credit Score
A CIBIL Score of 680 or above is often preferred
Work Experience .
Typically. you should have at least 1 year of continuous
employment.
Interest Rates & Penalty Charges
Monthly ROI
0.9% to 3%
Annual APR
10.5% to 45% other charges
Cheque Bounce
₹500 per instance
Late Payment
2% per month on overdue EMI
Frequently Asked Questions
Q. Top reason to choose Personal Loans through JinnyLoan
JinnyLoan through its Digital lending Partner offer unique benefits to users as given below –
- Get any amount from Rs. 5,000 to Rs. 15,00,000 instantly
- Check your loan eligibility in just 2 minutes
- Flexible repayment options that can extend up to 5 years
- Instant loan amount disbursement directly to your account in just a few minutes after application approval
- Affordable and economical interest rates, starting at just 1.16% per month (14% Annually*)
- Hassle-free digital application process allowing you to apply for instant personal loans from anywhere
Q. Eligibility Criteria For Personal Loans ?
Personal loans have simple eligibility criteria. To qualify for a loan –
- The applicant’s age should be 21-57 years.
- They must be salaried or self-employed.
- A monthly household income of Rs. 15000 or more.
- The income must be credited directly to the bank account.
- A minimum CIBIL score of 650 is required.
Q. What Can you Use Personal Loans For ?
Personal loans are versatile and have no restrictions on end usage. Listed below are some of the most popular reasons why people take our instant loans:
- Weddings
- Medical emergencies
- Travel expenses
- Home Renovation projects
- Education purposes
- Business ventures
- Big purchases
- Household expenses
Q. What are the Benefit of Choosing JinnyLoan .
Here’s why JinnyLoan.com website .
- Quick Disbursement – Any financial emergencies need to be addressed instantly. Hence, we ensure the funds are credited to your account within a few minutes of loan approval.
- Hassle-free Application Process – We aim to make borrowing simple. That’s why our loan application process, from start to finish, is entirely digital, giving you the freedom to complete all the steps from the comfort of your home.
- Minimal Documentation – We mainly require your PAN, a selfie, and a mobile number linked to your Aadhaar. We may ask for additional documentation, depending on your profile.
Q. Will there Be a credit Report inquiry when I Apply For an Instant Loans.
Yes. Our Digital Lending Partners do a credit report inquiry of every borrower applying for an instant loan. It is a quick process to assess the credit profile of the applicant.